Swiss Banks Break the Mold: 24/7 Instant Settlements are Now a Reality

It sounds like science fiction, but it just happened: Amina Bank and Deutsche Börse Group completed a brutal pilot for real-time settlements using blockchain technology, and here’s the interesting part: all within the Swiss regulatory framework.

What changed

Forget about waiting 2-3 days for your money to arrive. In this pilot, fiat transfers were settled instantly, without stopping even on weekends. What's the trick? They integrated DLT (distributed ledger technology) into the core infrastructure of banks.

Why this matters

Three confirmed use cases:

• Frictionless cross-border payments
• Settlements in multiple currencies without intermediaries
• POS systems ready for real-time

All this while complying 100% with regulations. Crypto Finance Group monitored that no one stepped out of line.

The perspective

The CEO of Amina Bank summed it up well: “Innovation + financial stability are not enemies.” Google Cloud added that this infrastructure can be embedded in any large bank without blowing up the existing systems.

Next level

Phase 2 is already underway: integrating everything into POS terminals and expanding to international payments. This is not a lab experiment, it's the future of the global financial system arriving.